PRE-DISPUTE RESOLUTION PROCEDURE
In the event that you or we have a claim that arises from or relates to any credit, loan or other services you request or we provide ("Services"),
before commencing, joining or participating in any judicial or arbitration proceeding, as either an individual litigant or member of a class ("Proceeding"),
the complaining party shall give the other party or any "related party": (1) at least 15 days' written notice of the claim ("Claim Notice"), explaining
in reasonable detail the nature of the claim and any supporting facts; and (2) a reasonable good faith opportunity to resolve the claim without the
necessity of a Proceeding. Our "related parties" are any parent company and affiliated entities; and our and their employees, directors, officers,
shareholders, governors, managers and members. Any Claim Notice to us shall be sent in care of CASH 1, Attn: Legal Department, 985 Damonte Ranch Pkwy,
Suite 206, Reno, NV 89521, or such other address as we shall subsequently provide to you, or to you at your address appearing in our records or,
if you are represented by an attorney, to your attorney at his or her office address. Nothing in this paragraph is intended to affect or modify in
any fashion any separate Arbitration Provision between you and us.
VERY IMPORTANT. READ THIS ARBITRATION PROVISION CAREFULLY. IT SETS FORTH WHEN AND HOW CLAIMS (AS DEFINED IN SECTION 2 BELOW) WHICH YOU OR WE HAVE AGAINST
ONE ANOTHER WILL BE ARBITRATED INSTEAD OF LITIGATED IN COURT. IF YOU DON'T REJECT THIS ARBITRATION PROVISION IN ACCORDANCE WITH SECTION 1 BELOW, UNLESS
PROHIBITED BY APPLICABLE LAW, IT WILL HAVE A SUBSTANTIAL IMPACT ON THE WAY IN WHICH YOU OR WE RESOLVE ANY CLAIM WHICH YOU OR WE HAVE AGAINST EACH OTHER
NOW OR IN THE FUTURE.
Unless prohibited by applicable law and unless you reject the Arbitration Provision in accordance with Section 1 below, you and we agree that either
party may elect to require arbitration of any Claim under the following terms and conditions:
1. RIGHT TO REJECT ARBITRATION.
If you do not want this Arbitration Provision to apply, you may reject it within 30 days after
the date of your application ("Application") for credit, loan or other services from us ("Services") [by delivering to us at any of our offices or] by
mailing to us in care of Cash 1, Attn: Legal Department, XXX XXXX, XXXXX XXXXXXX, XXXXX, XX XXXXXX, a written rejection notice which provides your name,
address, the date of the Application, the address of the store where you submitted the Application and states that you are rejecting the related
Arbitration Provision. If you want proof of the date of such a notice, you should send the notice by "certified mail, return receipt requested."
If you use such a method, we will reimburse you for the postage upon your request. Nobody else can reject arbitration for you; this is the only way
you can reject arbitration. Your rejection of arbitration will not affect your right to Services or the terms of Services. If you reject this
Arbitration Provision, it shall have the effect of rejecting any prior arbitration provision or agreement between you and us that you did not have
the right to reject; it will not affect any prior arbitration provision or agreement which you had a right to reject that you did not exercise.
2. DEFINITION OF "CLAIM".
The term "Claim" means any claim, dispute or controversy between you and us (including
"related parties" identified below) that arises from or relates in any way to Services you request or we provide, now, in the past or in the future;
the Application (or any prior or future application); any agreement relating to Services ("Services Agreement"); any of our marketing, advertising,
solicitations and conduct relating to your request for Services; our collection of any amounts you owe; our disclosure of or failure to protect any
information about you; or the validity, enforceability or scope of this Arbitration Provision. "Claim" is to be given the broadest possible meaning and
includes claims of every kind and nature, including but not limited to, initial claims, counterclaims, cross-claims and third-party claims, and claims
based on any constitution, statute, regulation, ordinance, common law rule (including rules relating to contracts, negligence, fraud or other intentional
wrongs) and equity. It includes disputes that seek relief of any type, including damages and/or injunctive, declaratory or other equitable relief.
Notwithstanding the foregoing, "Claim" does not include any individual action brought by you in small claims court or your state's equivalent court,
unless such action is transferred, removed, or appealed to a different court, or any assertion that Section 5(C), (D) and/or (E) below is invalid or
unenforceable; any such actions and assertions of this kind will be resolved by a court and not an arbitrator. "Claim" also does not include any
"self-help remedy" (that is, any steps taken to enforce rights without a determination by a court or arbitrator, for example, repossession and/or
re-titling of a motor vehicle) or any individual action by you or us to prevent the other party from using any self-help remedy, so long as such
self-help remedy or individual judicial action does not involve a request for monetary relief of any kind. Even if all parties have elected to
litigate a Claim in court, you or we may elect arbitration with respect to any Claim made by a new party or any new Claim asserted in that lawsuit,
and nothing in that litigation shall constitute a waiver of any rights under this Arbitration Provision. This Arbitration Provision will apply to all
Claims, even if the facts and circumstances giving rise to the Claims existed before the effective date of this Arbitration Provision. Our "related parties"
are any parent company and affiliated entities; our and their employees, directors, officers, shareholders, governors, managers and members; and any third
parties who are parties in a legal proceeding involving you and us.
3. STARTING AN ARBITRATION.
Before starting an arbitration (or a judicial proceeding), you or we must comply with any other
agreement between you and us providing a right to notice of a claim and/or a right to attempt to resolve the claim without litigation or arbitration.
To start an arbitration, you or we must give written notice of an election to arbitrate. This notice may be given after a lawsuit has been filed and
may be given in papers or motions in the lawsuit. If such a notice is given, unless prohibited by applicable law, the Claim shall be resolved by
arbitration under this Arbitration Provision and the applicable rules of the arbitration administrator then in effect. You must select the administrator
when you give us notice that you want to arbitrate a claim or within 20 days after we give you such a notice. If you don't make a selection, we will. The
administrator must be the American Arbitration Association, 1633 Broadway, 10th Floor, New York NY 10019, www.adr.org, (800) 778-7879. The arbitrator will
be selected under the administrator's rules, except that the arbitrator must be a lawyer with at least ten years of experience or a retired judge unless
the parties agree otherwise.
4. LOCATION AND COSTS.
The arbitrator may decide that an in-person hearing is unnecessary and that he or she can resolve the
Claim based on the papers submitted by the parties and/or through a telephone hearing. However, any arbitration hearing that you attend will take place in
a location that is reasonably convenient for you. We will consider any good faith request you make for us to pay the administrator's or arbitrator's filing,
administrative, hearing and/or other fees if you cannot obtain a waiver of such fees from the administrator and we will not seek or accept reimbursement of
any such fees. We will also pay any fees or expenses we are required by law to pay or that we must pay in order for this Arbitration Provision to be enforced.
Each party must normally pay for its own attorneys, experts and witnesses. However, we will pay all such reasonable fees and costs you incur if you are the
prevailing party and/or where required by applicable law and/or the administrator's rules. The arbitrator shall not limit the attorneys' fees and costs to
which you are entitled because your Claim is for a small amount. Also, to the extent permitted by applicable law and as provided in any Services Agreement,
you will pay any reasonable attorneys' fees, collection costs and arbitration fees and costs we incur if we prevail in an arbitration in which we seek to
recover any amount owed by you to us under the Services Agreement.
5. NO CLASS ACTIONS OR SIMILAR PROCEEDINGS;
SPECIAL FEATURES OF ARBITRATION. IF YOU OR WE ELECT TO ARBITRATE A CLAIM, NEITHER YOU NOR WE WILL HAVE THE RIGHT TO: (A) HAVE A COURT OR A JURY DECIDE THE CLAIM; (B) OBTAIN INFORMATION PRIOR TO THE HEARING TO THE SAME EXTENT THAT YOU OR WE COULD IN COURT; (C) PARTICIPATE IN A CLASS ACTION IN COURT OR IN ARBITRATION, EITHER AS A CLASS REPRESENTATIVE, CLASS MEMBER OR CLASS OPPONENT; (D) ACT AS A PRIVATE ATTORNEY GENERAL IN COURT OR IN ARBITRATION; OR (E) JOIN OR CONSOLIDATE CLAIM(S) INVOLVING YOU WITH CLAIMS INVOLVING ANY OTHER PERSON. THE RIGHT TO APPEAL IS MORE LIMITED IN ARBITRATION THAN IN COURT. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION.
6. GETTING INFORMATION.
In addition to the parties' rights under the administrator's rules to obtain information prior to the hearing, either party may ask the arbitrator for more information from the other party. The arbitrator will decide the issue in his or her sole discretion, after allowing the other party the opportunity to object.
7. EFFECT OF ARBITRATION AWARD.
Any court with jurisdiction may enter judgment upon the arbitrator's award. The arbitrator's award will be final and binding, except for: (1) any appeal right under the Federal Arbitration Act, 9 U.S.C. §1, et seq. (the "FAA"); and (2) Claims involving more than $50,000. For Claims involving more than $50,000, any party may appeal the award to a three-arbitrator panel appointed by the administrator, which will reconsider de novo any aspect of the initial award that is appealed. The panel's decision will be final and binding, except for any appeal right under the FAA. Unless applicable law provides otherwise, the appealing party will pay the appeal's costs, regardless of its outcome. However, we will consider any good faith request for us to bear the cost and will pay any amount that we must pay under applicable law or the administrator's rules and any amount that we must pay in order for this Arbitration Provision to be enforced.
8. GOVERNING LAW.
This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by the FAA, and not Federal or state rules of civil procedure or evidence or any state laws that pertain specifically to arbitration. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA, applicable statutes of limitation and applicable privilege rules, and shall be authorized to award all remedies available in an individual lawsuit under applicable substantive law, including, without limitation, compensatory, statutory and punitive damages (which shall be governed by the constitutional standards applicable in judicial proceedings), declaratory, injunctive and other equitable relief, and attorneys' fees and costs. In addition, if you prevail in an individual (non-class) arbitration against us in which you are seeking monetary relief from us, we agree that the arbitrator shall award as the minimum amount of your damages (excluding arbitration fees and attorneys' fees and costs, if any) an amount that is $100 greater than the jurisdictional limit of the small claims court (or your state's equivalent court) in the county in which you reside. For example, if such a court can decide claims up to $5,000, then if you prevail in an individual arbitration, you will receive a minimum of $5,100 even if the amount you would otherwise be entitled to receive is less than that amount. Upon the timely request of either party, the arbitrator shall write a brief explanation of the basis of his or her award. The arbitrator will follow rules of procedure and evidence consistent with the FAA, this Arbitration Provision and the administrator's rules.
9. SURVIVAL, SEVERABILITY, PRIMACY.
This Arbitration Provision shall survive the full payment of any amounts due under any Services Agreement; any proper rescission or cancellation of any Services Agreements; any exercise of a self-help remedy; our sale or transfer of any Services Agreement or our rights under any Services Agreement; any legal proceeding by us to collect a debt owed by you; and your (or our) bankruptcy. If any part of this Arbitration Provision cannot be enforced, the rest of this Arbitration Provision will continue to apply; provided, however, that if Section 5(C), (D) and/or (E) is declared invalid in a proceeding between you and us, without in any way impairing the right to appeal such decision, this entire Arbitration Provision (other than this sentence) shall be null and void in such proceeding. In the event of any conflict or inconsistency between this Arbitration Provision and the administrator's rules or the rest of any Services Agreement, this Arbitration Provision will govern. If you and we are a party to any other arbitration or dispute resolution agreement in connection with prior Services, this Arbitration Provision will supersede such prior arbitration agreement.
10. BREACH OF ARBITRATION AGREEMENT.
If either party fails to submit to arbitration following a proper demand to do so and a court later orders arbitration, to the extent permitted by law that party shall bear all costs and expenses including reasonable attorneys' fees, incurred by the other party in seeking to compel arbitration.
JURY TRIAL WAIVER
YOU AND WE ACKNOWLEDGE THAT THE RIGHT TO TRIAL BY JURY IS A CONSTITUTIONAL RIGHT, BUT THAT IT MAY BE WAIVED UNDER CERTAIN CIRCUMSTANCES. TO THE EXTENT PERMITTED BY LAW, YOU AND WE, AFTER HAVING HAD THE OPPORTUNITY TO CONSULT WITH COUNSEL, KNOWINGLY AND VOLUNTARILY, AND FOR THE MUTUAL BENEFIT OF ALL PARTIES, WAIVE ANY RIGHT TO TRIAL BY JURY IN THE EVENT OF LITIGATION ARISING OUT OF OR RELATED TO THIS AGREEMENT. THIS JURY TRIAL WAIVER SHALL NOT AFFECT OR BE INTERPRETED AS MODIFYING IN ANY FASHION ANY SEPARATE ARBITRATION PROVISION BETWEEN YOU AND US, WHICH CONTAINS ITS OWN SEPARATE JURY TRIAL WAIVER.